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1 FHCP s Medvantage (HMO-POS) offered by Florida Health Care Plans Annual Notice of Changes for 2016 You are currently enrolled as a member of FHCP s Medvantage plan. Next year, there will be some changes to the plan s costs and benefits. This booklet tells about the changes. You have from October 15 until December 7 to make changes to your Medicare coverage for next year. Additional Resources This information is available for free in other languages. Please contact our Member Services number at for additional information. (TTY users should call TRS Relay 711). Hours are 8 am to 8 pm, 7 days a week. Member Services also has free language interpreter services available for non-english speakers. Esta informacion esta disponible gratis en otros lenguajes. Por favor pongase en contacto con nuestro Servicios de Miembros a para informacion adicional. Usuarios de TTY deben de llamar TRS Relay 711. Horas son de 8 am hasta 8 pm, 7 dias de la semana. Servicios de Miembros tambien tiene servicios de interpretacion de lenguajes gratis disponible para personas que no hablan ingles. This document may be available in an alternate format such as Braille, larger print or audio, call Member Services at the number listed in Section 6.1. About FHCP s Medvantage plan Florida Health Care Plans is an HMO plan with a Medicare Contract. Enrollment in Florida Health Care Plans depends on contract renewal. When this booklet says we, us, or our, it means Florida Health Care Plans (FHCP). When it says plan or our plan, it means FHCP s Medvantage plan. H1035_FA1543 CMS Approved (08/19/2015) Form CMS ANOC/EOC (Approved 03/2014) OMB Approval

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3 FHCP s Medvantage plan Annual Notice of Changes for Think about Your Medicare Coverage for Next Year Each fall, Medicare allows you to change your Medicare health and drug coverage during the Annual Enrollment Period. It s important to review your coverage now to make sure it will meet your needs next year. Important things to do: Check the changes to our benefits and costs to see if they affect you. Do the changes affect the services you use? It is important to review benefit and cost changes to make sure they will work for you next year. Look in Sections 1.1 and 1.4 for information about benefit and cost changes for our plan. Check to see if your doctors and other providers will be in our network next year. Are your doctors in our network? What about the hospitals or other providers you use? Look in Section 1.3 for information about our Provider Directory. Think about your overall health care costs. How much will you spend out-of-pocket for the services and prescription drugs you use regularly? How much will you spend on your premium? How do the total costs compare to other Medicare coverage options? Think about whether you are happy with our plan. If you decide to stay with FHCP s Medvantage Plan: If you want to stay with us next year, it s easy - you don t need to do anything. If you decide to change plans: If you decide other coverage will better meet your needs, you can switch plans between October 15 and December 7. If you enroll in a new plan, your new coverage will begin on January 1, Look in Section 2.2 to learn more about your choices.

4 FHCP s Medvantage plan Annual Notice of Changes for Summary of Important Costs for 2016 The table below compares the 2015 costs and 2016 costs for FHCP s Medvantage plan in several important areas. Please note this is only a summary of changes. It is important to read the rest of this Annual Notice of Changes and review the enclosed Evidence of Coverage to see if other benefit or cost changes affect you. FHCP s MEDVANTAGE PLAN Monthly plan premium $0 per month $0 per month In-Network Maximum out-of-pocket amount This is the most you will pay out-ofpocket $6,700 $6,700 for your covered Part A and Part B services. (See Section 1.2 for details.) FHCP S MEDVANTAGE WITH OPTIONAL POINT OF SERVICE PLAN Monthly plan premium $60 per month $60 per month In-Network Maximum out-of-pocket amount This is the most you will pay out-ofpocket $6,700 $6,700 for your covered Part A and Part B services. (See Section 1.2 for details.) Out-of-Network-Network Maximum outof-pocket amount This is the most you will pay out-ofpocket for your covered Part A and Part B services. (See Section 1.2 for details.) $8,000 $8,000 IN-NETWORK MEDICAL BENEFIT Doctor office visits Primary care visits: $10 copay per visit Primary care visits: $10 copay per visit Inpatient hospital stays Includes inpatient acute, inpatient rehabilitation, long-term care hospitals and other types of inpatient hospital services. Inpatient hospital care starts the day you are formally admitted to the hospital with a doctor s order. The day before you are discharged is your last inpatient day. Specialist visits: $35 copay per visit $250 copay per day for days 1 through 7 You pay nothing per day for days 8 through 90 Specialist visits: $40 copay per visit $295 copay per day for days 1 through 6 You pay nothing per day for days 7 through 90

6 FHCP s Medvantage plan Annual Notice of Changes for SECTION 1 Changes to Benefits and Costs for Next Year Section 1.1 Changes to the Monthly Premium Monthly premium for FHCP s Medvantage plan (You must also continue to pay your $0 per month $0 per month Medicare Part B premium.) Monthly premium for FHCP s Medvantage with Optional Point of Service Plan (You must also continue to pay your Medicare Part B premium.) $60 per month $60 per month Section 1.2 Changes to Your Maximum Out-of-Pocket Amount To protect you, Medicare requires all health plans to limit how much you pay out-of-pocket during the year. This limit is called the maximum out-of-pocket amount. Once you reach this amount, you generally pay nothing for covered Part A and Part B services for the rest of the year. In-Network Maximum out-of-pocket amount Your costs for covered medical services (such as copays) count toward your maximum out-of-pocket amount. $6,700 Out-of-Network Maximum out-ofpocket amount Your costs for covered medical services (such as copays) count toward your maximum out-of-pocket amount. $8,000 $6,700 Once you have paid $6,700 out-of-pocket for covered Part A and Part B services, you will pay nothing for your covered Part A and Part B services for the rest of the calendar year. $8,000 Once you have paid $8,000 out-of-pocket for covered Part A and Part B services, you will pay nothing for your covered Part A and Part B services for the rest of the calendar year

7 FHCP s Medvantage plan Annual Notice of Changes for Section 1.3 Changes to the Provider Network There are changes to our network of providers for next year. An updated Provider Directory is located on our website at MAdirectory. You may also call Member Services for updated provider information or to ask us to mail you a Provider Directory. Please review the 2016 Provider Directory to see if your providers (primary care provider, specialists, hospitals, etc.) are in our network. It is important that you know that we may make changes to the hospitals, doctors and specialists (providers) that are part of your plan during the year. There are a number of reasons why your provider might leave your plan but if your doctor or specialist does leave your plan you have certain rights and protections summarized below: Even though our network of providers may change during the year, Medicare requires that we furnish you with uninterrupted access to qualified doctors and specialists When possible we will provide you with at least 30 days notice that your provider is leaving our plan so that you have time to select a new provider. We will assist you in selecting a new qualified provider to continue managing your health care needs. If you are undergoing medical treatment you have the right to request, and we will work with you to ensure, that the medically necessary treatment you are receiving is not interrupted. If you believe we have not furnished you with a qualified provider to replace your previous provider or that your care is not being appropriately managed you have the right to file an appeal of our decision. If you find out your doctor or specialist is leaving your plan please contact us so we can assist you in finding a new provider and managing your care.

8 FHCP s Medvantage plan Annual Notice of Changes for Section 1.4 Changes to Benefits and Costs for Medical Services We are changing our coverage for certain medical services next year. The information below describes these changes. For details about the coverage and costs for these services, see Chapter 4, Medical Benefits Chart (what is covered and what you pay), in your 2016 Evidence of Coverage. Dental Services Limited dental services (this does not include services in connection with care, treatment, filling, removal, or replacement of teeth): $35 copay Limited dental services (this does not include services in connection with care, treatment, filling, removal, or replacement of teeth): $40 copay Outpatient diagnostic tests and therapeutic services and supplies NOTE: In general, the preventive dental benefit (such as cleaning) is not covered. For Medicare-covered Diagnostic Procedures/Tests, you pay: Echocardiogram $10 copay per visit at an innetwork Contract facility or physician s office $25 copay per visit at an innetwork Hospital facility as an outpatient Diagnostic Colonoscopy $0 copay per visit Bone Density Scan $0 copay per visit at an innetwork free-standing radiology facility $35 copay per visit at an innetwork hospital facility as an outpatient NOTE: In general, the preventive dental benefit (such as cleaning) is not covered. For Medicare-covered Diagnostic Procedures/Tests, you pay: Echocardiogram $10 copay per visit at a Contract facility/physician s office $25 copay per visit at a department of a hospital/clinic Diagnostic Colonoscopy $0 copay per visit Bone Density Scan $0 copay per visit at a Freestanding radiology facility $40 copay per visit at a department of a hospital/clinic

9 FHCP s Medvantage plan Annual Notice of Changes for Outpatient diagnostic tests and therapeutic services and supplies, continued Diagnostic Mammogram $25 copay per visit at an innetwork free-standing radiology facility $45 copay per visit at an innetwork hospital facility as an outpatient Diagnostic Mammogram $25 copay per visit at a Freestanding radiology facility $45 copay per visit at a department of a hospital/clinic Sleep Study $50 copay per visit at an Innetwork Specialist's office $175 copay per visit at an Innetwork Hospital, as an outpatient Procedures/Test incidental to an office visit (i.e. Spirometry, EKG, Stress Test) - $0 copay For Medicare-covered diagnostic ultrasound, including Abdominal Aortic Aneurysm, you pay: $10 copay per visit for a diagnostic ultrasound at an innetwork contract facility or physician's office. $25 copay per visit for a diagnostic ultrasound at an innetwork hospital facility as an outpatient For Medicare-covered diagnostic radiology services, you pay: $10 copay per visit at an innetwork FHCP contract facility or physician's office, additional office visit copay may apply $25 copay per visit at an innetwork hospital facility, as an Sleep Study $50 copay per visit at a Specialist's office $175 copay per visit at a department of a hospital/clinic Procedures/Test incidental to an office visit (i.e. Spirometry, EKG, Stress Test) - $0 copay For Medicare-covered diagnostic ultrasound, including Abdominal Aortic Aneurysm, you pay: $10 copay per visit for a diagnostic ultrasound at an innetwork contract facility or physician's office. $25 copay per visit for a diagnostic ultrasound at an innetwork department of a hospital/clinic For Medicare-covered diagnostic radiology services, you pay: $10 copay per visit at an innetwork FHCP contract facility or physician's office, additional office visit copay may apply. $25 copay per visit at an innetwork

11 FHCP s Medvantage plan Annual Notice of Changes for Outpatient diagnostic tests and therapeutic services and supplies, continued Doctor s Office Visits For Medicare-covered X-rays, you pay: $10 copay per visit at an innetwork FHCP contract facility or physician's office, additional office visit copay may apply $25 copay per visit at an innetwork hospital facility as an outpatient. Primary care physician visit: $10 copay Specialist visit: $35 copay For Medicare-covered X-rays, you pay: $10 copay per visit at an innetwork FHCP contract facility or physician's office, additional office visit copay may apply. $25 copay per visit at an innetwork department of a hospital/clinic, additional office visit copay may apply. Primary care physician visit: $10 copay Specialist visit: $40 copay Emergency Care Foot Care (Podiatry services) NOTE: A copay will apply for No-show PCP and/or Specialist visits. $65 copay If you are admitted to the hospital within 24 hours, you do not have to pay your share of the cost for emergency care. See the "Inpatient Hospital Care" section of this booklet for other costs. NOTE: Emergency care is available worldwide. Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions: $35 copay NOTE: A copay will apply for No-show PCP and/or Specialist visits. $75 copay If you are admitted to the hospital within 24 hours, you do not have to pay your share of the cost for emergency care. See the "Inpatient Hospital Care" section of this booklet for other costs. NOTE: Emergency care is available worldwide. Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions: $40 copay

12 FHCP s Medvantage plan Annual Notice of Changes for Mental Health Care Inpatient visits: For Medicare-covered hospital stays: $250 copay per day for days 1 through 6 $0 copay per day for days 7 through 90 Inpatient visits: For Medicare-covered hospital stays: $295 copay per day for days 1 through 5 $0 copay per day for days 6 through 90 Outpatient Substance Abuse Urgently Needed Services Vision Services Outpatient group therapy visit: $35 copay Outpatient individual therapy visit: $35 copay Group therapy visit: $35 copay Individual therapy visit: $35 copay $35 copay NOTE: Urgently needed services are available worldwide. Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening): $15-$35 copay, depending on the service Routine eye exam (for up to 1 every year): $15 copay Eyeglasses (frames and lenses) (for up to 1 every two years): You pay nothing Our plan pays up to $90 every two years for eyeglasses (frames and lenses). Eyeglasses or contact lenses after cataract surgery: You pay nothing Outpatient group therapy visit: $40 copay Outpatient individual therapy visit: $40 copay Group therapy visit: $40 copay Individual therapy visit: $40 copay $10-$40 copay, depending on the service NOTE: $10 copay for urgently needed services in a Primary Care Providers office $40 copay for urgently needed services in an Urgent Care Center Urgently needed services are available worldwide. Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening): $15-$40 copay, depending on the service Routine eye exam (for up to 1 every year): $15 copay Eyeglasses (frames and lenses) (for up to 1 every two years): You pay nothing Our plan pays up to $90 every two years for eyeglasses (frames and lenses). Eyeglasses or contact lenses after cataract surgery: You pay nothing

13 FHCP s Medvantage plan Annual Notice of Changes for Vision Services, continued NOTE: Eye exam to diagnose and treat diseases and conditions of the eye, you pay: $15 copay for Optometrist visit $35 copay for Ophthalmologist visit, referral required FHCP will pay up to $90 every two years toward the purchase of eyeglasses (lenses and frames) from a participating optometrist. NOTE: Eye exam to diagnose and treat diseases and conditions of the eye, you pay: $15 copay for Optometrist visit $40 copay for Ophthalmologist visit, referral required FHCP will pay up to $90 every two years toward the purchase of eyeglasses (lenses and frames) from a participating optometrist. Inpatient Hospital Care Skilled Nursing Facility (SNF) For Medicare-covered hospital stays: $250 copay per day for days 1 through 7 $0 copay per day for days 8 through 90 For SNF stays: $0 copay per day for days 1 through 20 $156 copay per day for days 21 through 100 For Medicare-covered hospital stays: $295 copay per day for days 1 through 6 $0 copay per day for days 7 through 90 For SNF stays: $0 copay per day for days 1 through 20 $160 copay per day for days 21 through 100 SECTION 2 Deciding Which Plan to Choose Section 2.1 If you want to stay in FHCP s Medvantage plan To stay in our plan you don t need to do anything. If you do not sign up for a different plan or change to Original Medicare by December 7, you will automatically stay enrolled as a member of our plan for Section 2.2 If you want to change plans We hope to keep you as a member next year but if you want to change for 2016 follow these steps: Step 1: Learn about and compare your choices You can join a different Medicare health plan, -- OR-- You can change to Original Medicare. If you change to Original Medicare, you will need to decide whether to join a Medicare drug plan and whether to buy a Medicare supplement (Medigap) policy.

14 FHCP s Medvantage plan Annual Notice of Changes for To learn more about Original Medicare and the different types of Medicare plans, read Medicare & You 2016, call your State Health Insurance Assistance Program (SHIP) (see Section 4), or call Medicare (see Section 6.2). You can also find information about plans in your area by using the Medicare Plan Finder on the Medicare website. Go to and click Review and Compare Your Coverage Options. Here, you can find information about costs, coverage, and quality ratings for Medicare plans. As a reminder, Florida Health Care Plans offers other Medicare health plans AND/OR Medicare prescription drug plans. These other plans may differ in coverage, monthly premiums, and costsharing amounts. Step 2: Change your coverage To change to a different Medicare health plan, enroll in the new plan. You will automatically be disenrolled from FHCP s Medvantage plan. To change to Original Medicare with a prescription drug plan, enroll in the new drug plan. You will automatically be disenrolled from FHCP s Medvantage plan. To change to Original Medicare without a prescription drug plan, you must either: o Send us a written request to disenroll. Contact Member Services if you need more information on how to do this (phone numbers are in Section 6.1 of this booklet). o or Contact Medicare, at MEDICARE ( ), 24 hours a day, 7 days a week, and ask to be disenrolled. TTY users should call SECTION 3 Deadline for Changing Plans If you want to change to a different plan or to Original Medicare for next year, you can do it from October 15 until December 7. The change will take effect on January 1, Are there other times of the year to make a change? In certain situations, changes are also allowed at other times of the year. For example, people with Medicaid, those who get Extra Help paying for their drugs, and those who move out of the service area are allowed to make a change at other times of the year. For more information, see Chapter 8, Section 2.3 of the Evidence of Coverage. If you enrolled in a Medicare Advantage plan for January 1, 2016, and don t like your plan choice, you can switch to Original Medicare between January 1 and February 14, For more information, see Chapter 8, Section 2.2 of the Evidence of Coverage.

15 FHCP s Medvantage plan Annual Notice of Changes for SECTION 4 Programs That Offer Free Counseling about Medicare The State Health Insurance Assistance Program (SHIP) is a government program with trained counselors in every state. In Florida, the SHIP is called Serving Health Insurance Needs of Elders (SHINE). SHINE is independent (not connected with any insurance company or health plan). It is a state program that gets money from the Federal government to give free local health insurance counseling to people with Medicare. SHINE counselors can help you with your Medicare questions or problems. They can help you understand your Medicare plan choices and answer questions about switching plans. You can call SHINE at You can learn more about SHINE by visiting their website ( SECTION 5 Programs That Help Pay for Prescription Drugs You may qualify for help paying for prescription drugs: Extra Help from Medicare. People with limited incomes may qualify for Extra Help to pay for their prescription drug costs. If you qualify, Medicare could pay up to 75% or more of your drug costs including monthly prescription drug premiums, annual deductibles, and coinsurance. Additionally, those who qualify will not have a coverage gap or late enrollment penalty. Many people are eligible and don t even know it. To see if you qualify, call: o MEDICARE ( ). TTY users should call , 24 hours a day/7 days a week; o The Social Security Office at between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, (applications); or o Your State Medicaid Office (applications). What if you have coverage from an AIDS Drug Assistance Program (ADAP)? The AIDS Drug Assistance Program (ADAP) helps ADAP-eligible individuals living with HIV/AIDS have access to life-saving HIV medications. Medicare Part D prescription drugs that are also covered by ADAP qualify for prescription cost-sharing assistance Florida ADAP Program. Note: To be eligible for the ADAP operating in your State, individuals must meet certain criteria, including proof of State residence and HIV status, low income as defined by the State, and uninsured/under-insured status. If you are currently enrolled in an ADAP, it can continue to provide you with Medicare Part D prescription cost-sharing assistance for drugs on the ADAP formulary. In order to be sure you continue receiving this assistance, please notify your local ADAP enrollment worker of any changes in your Medicare Part D plan name or policy number. Florida ADAP Program by calling The hearing impaired may call For information on eligibility criteria, covered drugs, or how to enroll in the program, please call Florida ADAP Program by calling The hearing impaired may call

16 FHCP s Medvantage plan Annual Notice of Changes for SECTION 6 Questions? Section 6.1 Getting Help from FHCP s Medvantage Plan Questions? We re here to help. Please call Member Services at (TTY only call TRS Relay 711.) We are available for phone calls 7 days a week from 8 am to 8 pm. Calls to these numbers are free. Read your 2016 Evidence of Coverage (it has details about next year's benefits and costs) This Annual Notice of Changes gives you a summary of changes in your benefits and costs for For details, look in the 2016 Evidence of Coverage for FHCP s Medvantage plan. The Evidence of Coverage is the legal, detailed description of your plan benefits. It explains your rights and the rules you need to follow to get covered services and prescription drugs. A copy of the Evidence of Coverage is included in this envelope. Visit Our Website You can also visit our website at As a reminder, our website has the most up-to-date information about our provider network (Provider Directory). Section 6.2 Getting Help from Medicare To get information directly from Medicare: Call MEDICARE ( ) You can call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call Visit the Medicare Website You can visit the Medicare website ( It has information about cost, coverage, and quality ratings to help you compare Medicare health plans. You can find information about plans available in your area by using the Medicare Plan Finder on the Medicare website. (To view the information about plans, go to and click on Find health & drug plans ) Read Medicare & You 2016 You can read Medicare & You 2016 Handbook. Every year in the fall, this booklet is mailed to people with Medicare. It has a summary of Medicare benefits, rights and protections, and answers to the most frequently asked questions about Medicare. If you don t have a copy of this booklet, you can get it at the Medicare website ( or by calling MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call

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